Terms & Conditions

1. Introduction

Welcome to Credit Boost Pro Ltd ("we," "us," "our"). These Terms & Conditions govern your use of our services, website, and related consultancy activities. By engaging our services or using our platform, you agree to be bound by these Terms. Please read them carefully before proceeding.

2. Who We Are

Credit Boost Pro Ltd is a UK-registered Consumer Data Rights and Legal Procedure Consultancy (Company No. 16598866, ICO Registration ZB949692).

Our services assist consumers in exercising their statutory rights under:

• • UK General Data Protection Regulation (UK GDPR)
• • Data Protection Act 2018
• • Consumer Credit Act 1974
• • Consumer Rights Act 2015
• • County Courts Act 1984
• • Civil Procedure Rules 1998

We are not regulated by the Financial Conduct Authority (FCA) because we do not offer credit broking, debt management, lending, financial advice, or claims management activity as defined by the Financial Services and Markets Act 2000 (FSMA).

3. Our Services

We provide the following non-regulated services:

• • Credit file audits and accuracy reviews
• • Data correction and dispute assistance under UK GDPR and DPA 2018
• • Support with the identification of unfair or incorrect entries, including defaults or CCJs
• • Guidance on submitting lawful data accuracy requests to lenders and CRAs
• • Preparation of procedural documentation under the County Courts Act 1984 and Civil Procedure Rules 1998

4. Client Responsibilities

You agree to:

• • Provide full, accurate, and truthful information and documentation as requested.
• • Cooperate with our team promptly to allow lawful dispute progression.
• • Understand that delays or unsuccessful outcomes caused by incomplete or inaccurate information are your responsibility.

5. Fees & Payments

• • All service fees are clearly displayed at the point of purchase and processed through our secure payment provider (Stripe).
• • Some services may include additional court or third-party filing fees; these will be disclosed before payment.
• • All fees are non-refundable once the service or analysis has commenced.
• • If you withdraw mid-case, partial refunds are at our sole discretion.

6. No Legal Advice or Representation

• • Credit Boost Pro Ltd is not a law firm and does not provide formal legal advice or representation.
• • Our services consist of document preparation, procedural guidance, and data accuracy consultancy.
• • If formal legal representation or court attendance is required, we may refer you to a qualified solicitor or barrister regulated by the SRA (Solicitors Regulation Authority).

7. Relationship with Credit Reference Agencies & Lenders

• • We may correspond with UK Credit Reference Agencies (Experian, Equifax, TransUnion) and lenders solely for the purpose of exercising consumer data rights under the UK GDPR and related laws.
• • We do not act as an intermediary, negotiator, or representative in financial disputes or lending arrangements.
• • Each CRA or lender remains a separate data controller responsible for their own lawful processing.
• • We cannot compel them to make decisions or alter verified data.

8. Data Protection & Confidentiality

• • All personal information is handled in full compliance with the UK GDPR and Data Protection Act 2018.
• • Please refer to our Privacy Policy for full details.
• • We use secure, encrypted systems for all document handling and retain records only as long as necessary for compliance.
• • We never sell, rent, or monetise client data.

9. Limitation of Liability

To the fullest extent permitted by law:

• • Credit Boost Pro Ltd shall not be liable for indirect, incidental, or consequential losses, including financial loss, credit score impact, or reputational damage.
• • We are not responsible for the decisions, data-handling, or actions of lenders, CRAs, courts, or regulators.
• • Our total liability is strictly limited to the total fees paid by you for the service in question.
• • Nothing in these Terms limits or excludes liability for death, personal injury, or fraud caused by our negligence.

10. Regulatory Protection Clause

To prevent misinterpretation or regulatory conflict:

• • Our work is conducted under consumer data rights legislation, not under financial services regulation.
• • Nothing in our service constitutes credit broking, debt counselling, financial advice, or claims management activity under the Financial Services and Markets Act 2000.
• • By engaging our services, you acknowledge that Credit Boost Pro Ltd acts solely to assist in lawful data rectification and procedural compliance under the County Courts Act 1984 and Civil Procedure Rules 1998.

11. Indemnity

You agree to indemnify and hold harmless Credit Boost Pro Ltd, its directors, and staff against any claims, liabilities, or legal costs arising from:

• • Misuse of our service or documentation,
• • False or misleading information you provide,
• • Actions or claims brought by third parties (including CRAs, lenders, or the FCA) resulting from your misuse of our materials.

12. Termination

• • You may terminate our services at any time in writing.
• • We reserve the right to suspend or terminate services without notice if payments are not made, false information is provided, or these Terms are breached.
• • Upon termination, you remain responsible for all outstanding fees.

13. Governing Law & Jurisdiction

• • These Terms are governed by the laws of England and Wales.
• • Any disputes shall be resolved exclusively by the courts of England and Wales.

14. Contact Details

15. Acknowledgement

By engaging our services, you confirm that:

• • You have read and understood these Terms;
• • You understand Credit Boost Pro Ltd operates within lawful UK consumer rights and data protection frameworks;
• • You accept that no guaranteed outcome or financial remedy is promised.